The suggested allocations are just a starting point for your consideration. No two investors are the same; so you must consider your own tolerance for risk, savings and retirement needs, and other personal needs and circumstances. The suggested allocations are somewhat typical for what the average conservative, moderate, or aggressive investor might prefer (although in our research in putting these guidelines together, we did notice a pretty wide range in the allocations suggested by other investment firms). But not you or anyone else is typical! So, only use these suggested allocations as guidelines and as a starting point in determining your own asset allocation.
| Investor Profile | |||
| Asset Class | Conservative | Moderate | Aggressive |
| Large Cap U.S. Stocks | 20% | 30% | 40% |
| Small-Cap U.S. Stocks | 5% | 10% | 15% |
| International Stocks | 5% | 10% | 20% |
| Real Estate Investment Trusts (REITs) | 10% | 10% | 10% |
| Fixed Income (Bonds, etc.) | 60% | 40% | 15% |
| Total | 100% | 100% | 100% |